Embrace Pet Insurance in 2023: A Detailed Review for Pet Parents

As a pet parent, you understand the joy and unconditional love your furry companion brings to your life.

But with that love comes responsibility, and a significant part of that responsibility is ensuring your pet receives the best possible care, even when unexpected health issues arise.

This is where pet insurance comes in, and Embrace Pet Insurance is a highly respected player in this industry.

Before diving into the details, let’s briefly journey through Embrace’s history. Founded in 2004, the insurer has built a strong reputation for its comprehensive coverage, competitive pricing, and unwavering commitment to pet health.

Embrace is a subsidiary of NSM Insurance Group, a leading company of speciality insurance solutions, providing financial stability and peace of mind to pet parents.

Embrace Pet Insurance Coverage Options

 A veterinarian examines a dog, highlighting the importance of veterinary care and the financial assistance provided by Embrace pet insurance.

Embrace offers a range of customizable coverage options to cater to the unique needs of your furry friend.

Their core coverage plans are Accident & Illness and Wellness Rewards, each designed to provide financial protection in different situations.

Accident & Illness Coverage

  • This plan covers unexpected accidents, illnesses, and injuries, including:

Wellness Rewards

  • This optional add-on plan provides reimbursement for routine preventive care, such as:
  • This plan complements the Accident and illness coverage by promoting preventative healthcare and potentially reducing future medical costs.

Embrace also offers specialized coverage options for specific situations, including:

  • Accident-Only Coverage: For pet parents on a budget, this plan covers the costs associated with accidents but excludes illnesses.
  • Multiple Pet Discount: Embrace rewards responsible pet ownership by offering a discount for insuring multiple pets.
  • Breeder Coverage: Protect your breeding dogs with specialized coverage for complications during pregnancy and delivery.
  • Behavioural Therapy Coverage: This optional add-on helps cover costs associated with behavioural therapy for conditions like anxiety, aggression, and separation anxiety.
  • Alternative and Holistic Treatments: Embrace offers limited coverage for some alternative therapies, such as acupuncture and chiropractic care.

Embrace Pet Insurance Cost

Embrace understands that pet insurance costs are a concern for many pet parents. They offer flexible plans and customizable options to fit your budget.

Here’s a breakdown of their pricing structure:

  • Deductibles: Choose from various deductible options to balance affordability with coverage.
  • Reimbursement Rates: Select the best reimbursement rate for you, ranging from 70% to 90%.
  • Age and Breed: Premiums are typically higher for older pets and certain breeds with known health risks.

To provide a clearer picture of Embrace’s pricing, let’s explore sample rates based on different breeds and ages:

A graph comparing Embrace Dog Insurance premiums with other providers, showcasing its competitive pricing and affordability

Embrace Pet Insurance Price Comparison for Dogs

BreedAgeAnnual Premium
Golden RetrieverPuppy$550 – $850
German ShepherdAdult$800 – $1,200
French BulldogSenior$1,200 – $1,800

Embrace Pet Insurance Price Comparison for Cats:

BreedAgeAnnual Premium
Maine CoonKitten$350 – $550
PersianAdult$450 – $650
SphynxSenior$550 – $750
Graph showing the comparison of Embrace Cats Insurance premiums with other companies

While these are just estimates, they demonstrate Embrace’s competitive pricing and customization options.

Getting a personalized quote to find the best plan for your pet’s specific needs and budget is always recommended.

Understanding Deductibles and Reimbursement Rates

Embrace offers three deductible options ($200, $300, and $500) and three reimbursement rates (70%, 80%, and 90%).

The deductible is the cost you pay out of pocket before your insurance coverage kicks in. The reimbursement rate determines the percentage of covered veterinary expenses Embrace will reimburse you.

Picking a higher deductible will lower your monthly premium but increase your out-of-pocket costs.

Conversely, a higher reimbursement rate will increase your premium but reduce your financial responsibility.

Understanding Claim Submission and Processing

Embrace offers a user-friendly online claim portal where you can submit your claim electronically. They require the following documents:

  • Completed claim form
  • Veterinary invoice
  • Medical records
  • Any relevant diagnostic reports

Once submitted, Embrace typically processes claims within 10-15 business days for accidents and illnesses and five business days for Wellness Rewards claims.

You can receive your reimbursement via check or direct deposit.

Understanding Exclusions and Limitations:

It’s essential to understand what Embrace’s policies exclude. Embrace does not cover cosmetic procedures , pre-existing conditions, and elective surgeries, as with most pet insurance providers.

Additionally, coverage limits may apply for specific conditions and treatments. Carefully review the policy documents and exclusions to understand what is and isn’t covered.

Additional Benefits and Features:

Embrace offers several additional benefits and features to enhance your pet insurance experience, including:

  • 24/7 Pet Health Helpline: Access veterinary professionals for non-emergency pet health concerns.
  • Online Pet Portal: Manage your account, view coverage details, and submit claims online.
  • Mobile App: Conveniently access your policy information and submit claims on the go.
  • Discounts and Rewards: Enjoy discounts for enrolling multiple pets and participating in wellness programs.

Pros and Cons

Like any insurance company, Embrace has its own set of pros and cons. Here’s a quick overview to help you make an informed decision:

What Does Embrace Pet Insurance Cover

  • Comprehensive coverage options: Embrace offers various plans and add-on options to cater to different needs.
  • Competitive pricing: Flexible options and discounts allow you to find a plan that fits your budget.
  • Multiple coverage options: Choose from Accident & Illness, Accident-Only, and Wellness Rewards plans.
  • Good reputation: An established company with a solid track record and positive reviews.
  • Flexible and customizable: Choose from different deductibles, reimbursement rates, and add-on options to personalize your plan.
  • Excellent customer service: Their 24/7 availability, online portal, and mobile app provide convenient support.
  • Transparent and accessible: Clear policy documents and comprehensive online resources ensure informed decision-making.
  • Financial stability and reassurance: Backing from NSM Insurance Group provides peace of mind.
  • Community involvement and advocacy: Embrace actively promotes pet welfare and responsible ownership.

What’s not covered

  • Pre-existing conditions are not covered: Embrace excludes pre-existing conditions from coverage like most pet insurance providers.
  • Higher premiums for older pets and certain breeds: Costs can increase significantly for pets with higher health risks.
  • Limited coverage for alternative therapies: Embrace only covers some alternative therapies, and limits may apply.

Does Embrace Pet Insurance offer discounts?

Embrace Pet Insurance offers several discounts to help you save money on your pet’s insurance. These discounts are applied to the accident and illness portion of your policy.

10% Multiple Pet Discount: If you have two or more pets insured with Embrace, you will automatically receive a 10% reduction on your premiums.

5% Military Discount: If you or someone in your immediate household is an active or former member of the Air Force, Marines , Army, Navy, or Coast Guard, you are eligible for a 5% military discount on your Embrace Pet Insurance premiums.

Please note that this discount is not available in New York or Tennessee.

Additional Discounts: Embrace may offer additional discounts from time to time. Please check the Embrace website or contact customer service for more information on current discounts.

Embrace Pet Insurance vs. Other Pet Insurance Companies

Picking the right pet insurance company can be huge, with several options available. Here’s a table comparing Embrace to some of its competitors:

FeatureEmbrace Healthy Paws ASPCA
Coverage OptionsAccident & Illness, Accident-Only, Wellness RewardsAccident & Illness, Accident-Only, Wellness RewardsAccident & Illness, Accident-Only
Reimbursement Rates70%, 80%, 90%70%, 80%, 90%70%, 80%
Deductible Options$200, $300, $500$250, $500$100, $250, $500
Multiple Pet DiscountYesYesYes
Pre-existing Conditions CoveredNoNoNo
Waiting PeriodsAccident: 2 days, Illness: 14 daysAccident: 2 days, Illness: 14 daysAccident: 14 days, Illness: 14 days
Customer Service ReputationExcellentExcellentGood

Embrace vs Trupanion pet insurance.

Embrace and Trupanion are highly regarded pet insurance providers but offer different features and benefits. Here’s a breakdown of how they compare across key aspects:

Deductible$200, $300, $500$0, $200, $500
Reimbursement70%, 80%, 90%90%
Annual Limit$5000 to UnlimitedUnlimited
Waiting PeriodAccident: 2 days, Illness: 14 days0 days
Pays for Vet Exam FeeNoYes
Optional Wellness Plan AvailableYesYes
24/7 Vet Helpline Available:YesYes

Healthy Paws vs Embrace

The Embrace vs Healthy Paws comparison provides a detailed comparison between the two pet insurance providers.

  • Flexible Wellness Plan: Embrace offers a flexible wellness plan, while Healthy Paws does not.
  • Per-item Limits: Neither Embrace nor Healthy Paws have per-item limits1.
  • Dental Illness Coverage: Both Embrace and Healthy Paws offer dental illness coverage.
  • Overall Coverage for Exam Fees: Embrace covers exam fees, but Healthy Paws charges extra for this coverage.
  • Extra Office Visits for Senior Pets: Neither Embrace nor Healthy Paws charge extra for office visits for senior pets.
  • Hip Dysplasia Coverage: Embrace and Healthy Paws offer hip dysplasia coverage on all Accident and illness policies.
  • Preventable Condition Coverage: Embrace includes coverage for preventable conditions, while Healthy Paws does not.
  • 24/7 Pet Telehealth: Embrace offers a 24/7 pet telehealth service, while Healthy Paws does not1.
  • Customer Service: Embrace has been a top-rated pet insurer for over 15 years.

Please note that the specifics of each plan may vary, and it’s essential to read the terms and conditions of each policy carefully before making a decision.

Embrace vs ASPCA Pet Insurance

Here’s a comparison of Embrace and ASPCA Pet Insurance for the listed features:

FeatureEmbraceASPCA Pet Insurance
DeductibleMultiple options available ($200, $300, $500)Multiple options available ($100, $250, $500)
ReimbursementMultiple options available (70%, 80%, 90%)Multiple options available (70%, 80%)
Annual LimitUp to $15,000Up to $10,000
Waiting PeriodAccident: 2 days, Illness: 14 daysAccident: 14 days, Illness: 14 days
Pays for the vet exam feeYes, with specific plansNo
Optional wellness plan availableYes, Wellness RewardsNo
24/7 vet helpline availableYesNo

Additional Points:

  • Flexibility: Embrace offers a more flexible wellness plan with various customization options.
  • Per-item Limits: Embrace and ASPCA Pet Health Insurance offer no per-item limits, meaning they cover the full cost of eligible services up to the annual limit.
  • Dental Illness Coverage: Both companies offer dental illness coverage, but Embrace’s coverage might be more comprehensive.
  • Hip Dysplasia Coverage: Both companies offer coverage for hip dysplasia on all accident and illness policies.
  • Preventable Condition Coverage: Embrace includes coverage for preventable conditions, while ASPCA Pet Health Insurance does not.
  • 24/7 Pet Telehealth: Embrace offers a 24/7 pet telehealth service, which ASPCA Pet Health Insurance does not.
  • Customer Service: Embrace has a stronger reputation for customer service, consistently receiving high ratings.


Embrace offers more comprehensive coverage, flexibility, and additional benefits than ASPCA Pet Health Insurance.

How to Save Money on Embrace Pet Insurance

Embrace offers several ways to save on your pet insurance premiums:

  • Choose a higher deductible: A higher deductible will lower your monthly premium but increase your fees.
  • Opt for the Accident-Only plan: If your primary concern is accidents, this plan can be significantly cheaper than the Accident & Illness plan.
  • Enrol your pet when young: Premiums are lower for younger pets with fewer health risks.
  • Take advantage of the multi-pet discount: You can save up to 10% on your premiums if you have multiple pets.
  • Get a quote from Embrace directly: Their website provides a fast and easy online quote tool.

Customer Service: Embrace Pet Insurance Reviews

When facing unexpected vet bills, prompt and efficient customer service is crucial. Embrace understands this and prides itself on its exceptional customer service.

Their highly trained representatives are available 24/7 to answer your questions and assist with claims. They also offer a user-friendly online portal and mobile app for convenient account management and claim submission.

Screenshot of Embrace Pet Insurance Review on Trustpilot

Embrace Pet Insurance has a great rating on Trustpilot, with most customers praising the quick claim process and prompt reimbursement.

Transparency and Accessibility

Embrace is committed to transparency. They provide clear and comprehensive policy documents outlining coverage details, exclusions, and limitations.

Their website also offers information about pet health, insurance benefits, and the claims process.

Financial Stability and Reassurance

As a subsidiary of NSM Insurance Group, Embrace offers financial stability and peace of mind. This means you can be confident that the company will be around to fulfil its obligations even in the long run.

Community Involvement and Advocacy

Embrace demonstrates its commitment to pet welfare by actively engaging in the community. They support various animal charities and organizations and advocate for responsible pet ownership.

Technology and Innovation

Embrace embraces technology to enhance the customer experience. Their online portal, mobile app, and 24/7 Pet Health Helpline demonstrate their commitment to providing convenient and accessible services to pet owners.

Commitment to Pet Health and Education

Embrace actively promotes pet health and wellness. They offer educational resources on their website and social media platforms, providing valuable information to pet parents on various health topics and preventive care strategies.

A Partner in Your Pet’s Journey

Embrace understands the unwavering bond between pet parents and their furry companions. They strive to be more than just an insurance provider; they aim to be a trusted partner in your pet’s health journey.

Conclusion: A Trusted Partner for Your Pet’s Health

A family with their dog enjoying a day at the beach, symbolising the importance of pet health and happy experiences shared with furry companions

Embrace Pet Insurance stands out as a reliable and comprehensive pet insurance company. Their flexible coverage options, competitive pricing, and excellent customer service make them a strong contender for pet parents seeking peace of mind.

While some limitations exist, such as excluding pre-existing conditions, Embrace’s overall value proposition remains strong.

Let this review serve as a starting point for your pet insurance journey.

With careful research and informed decision-making, you can secure your pet’s best care and ensure they receive the veterinary attention they deserve.

Are you ready to give your pet the protection they deserve?
Don’t wait for an unexpected accident or illness to catch you off guard. Secure your pet’s future and your peace of mind today.

Embrace Pet Insurance Login Process: A Step-by-Step Guide

Logging into your Embrace Pet Insurance account offers convenient access to various features and tools, including:

  • Viewing policy details: Easily access your coverage information, including deductibles, reimbursement rates, and benefit limits.
  • Submitting claims: Streamline the claims process by uploading invoices and medical records electronically.
  • Tracking claim status: Monitor the progress of your submitted claims and receive real-time updates.
  • Managing your account: Update your contact information, payment methods, and policy preferences.
  • Accessing resources: Explore valuable pet health information and educational resources.

Embrace Pet Insurance Account Login

To log in to your Embrace Pet Insurance account, follow these simple steps:

1. Visit the Embrace Pet Insurance website

2. Click “MyEmbrace Login” in the website’s top right corner.

3. Enter your login credentials: Your Email Address and your Password

4. You will be redirected to your account dashboard.

How to cancel Embrace pet insurance

This guide covers Embrace’s cancellation policy and how to cancel your policy.

Important Points to Remember:

  • Waiting periods and pre-existing conditions: If you cancel and buy a new policy later, waiting periods will restart, and your pet’s pre-existing conditions will be excluded.
  • Alternatives to cancellation: Consider adjusting your coverage in your MyEmbrace account to reduce your premium before cancelling.
  • Refund options:
    • Full refund: If you cancel within 30 days of your policy start date and haven’t submitted claims, you get a full refund.
    • Pro-rated refund: You may be eligible for a pro-rated refund if you cancel after 30 days or have submitted claims in the first 30 days. This covers the unused portion of your premium.

How to Cancel:

  1. Log in to your MyEmbrace account.
  2. Click on the “Policy” tab.
  3. Select the policy you want to cancel.
  4. Click on the “Cancel Policy” button.
  5. You will be prompted to confirm your cancellation.
  6. Once you confirm, your policy will be cancelled.

Additional Information:

  • You can also cancel Embrace Pet Insurance by phone number at 1-800-511-9172 or by email.
  • Embrace will process your refund within 10 business days.
  • For more information, please visit the Embrace Pet Insurance website.

Claim Process and Form

The Embrace Pet Insurance Claims page provides detailed information on Submitting a claim. Here are the main points:

Getting the Invoice & Diagnosis: After a visit to the vet’s office, you should clarify the diagnosis or reason for the visit and get a copy of your itemized invoice1.

Submitting the Claim: If you submit via the Embrace website or the Embrace Pet Insurance app, you do not need to include a claim form.

A claim form is required if you submit it via email, fax, or physical mail1. You can submit your claim through your account by logging in, selecting ‘Submit a Claim’, and following the instructions to choose your vet, upload your invoice, and select the diagnosis or reason for the visit.

Claim Review & Payment: Claims are processed in 10-15 business days as long as all necessary information is provided.

Covered claims are paid by check in the mail (takes about ten business days) or with direct deposit (funds arrive within three business days).

Tracking Your Claim: You can view and track your claims via the Embrace website or in the app. Claims are listed within each pet’s profile.

Particular Scenarios: The page also provides information on what’s required for different scenarios, such as claims for recurring prescriptions, claims for visits related to the same condition, and submitting supporting documents.

Please note that the processing time for your first claim may be longer as the claims team has to review your pet’s medical history.

State Availability

Embrace Pet Insurance is licensed to sell insurance in all 50 states and the District of Columbia.

This means that regardless of where you live in the United States, you can access and purchase Embrace pet insurance coverage for your furry companion.

Here are some additional details about Embrace’s state availability:

  • Policy terms and conditions may vary slightly by state. This is due to different state regulations and laws.
  • Some coverage options or add-ons may not be available in all states. Be sure to check with Embrace directly to confirm what coverage is available in your area.
  • Embrace may have different rates or premiums depending on your state. This is because factors like veterinary costs and claim rates can vary geographically.

Embrace Pet Insurance FAQs

What is the claim process like with Embrace Pet Insurance?

Embrace offers a simple and convenient online claim process. You can submit claims through their website or mobile app, and they typically reimburse you within 30 days.

Does Embrace cover hereditary and congenital conditions?

Yes, Embrace covers some hereditary and congenital conditions, but specific exclusions may apply.

What are the waiting periods for coverage with Embrace?

Embrace has a 2-day waiting period for accidents and a 14-day waiting period for illnesses.

Does Embrace offer coverage for exotic pets?

Unfortunately, Embrace currently does not offer coverage for exotic pets.

How do I cancel my Embrace Pet Insurance policy?

You can cancel your Embrace Pet Insurance policy online or by contacting customer service.

Is Embrace a good pet insurance?

Embrace Pet Insurance is a highly regarded pet insurance provider with a strong reputation for comprehensive coverage, competitive pricing, and excellent customer service. They offer a variety of coverage options to suit different needs and budgets, and they have a team of dedicated representatives who are always available to answer questions and assist with claims.

Can you use any vet with Embrace Pet Insurance?

Yes, you can use any licensed veterinarian with Embrace Pet Insurance. You do not need to have a referral from your primary care veterinarian. However, Embrace does recommend that you establish a relationship with a veterinarian you trust, as they will be able to provide you with the best care for your pet.

How long does Embrace Pet Insurance take to reimburse?

Embrace Pet Insurance typically reimburses claims within 10-15 business days for accidents and illnesses and 5 business days for Wellness Rewards claims. However, the actual processing time may vary depending on the complexity of the claim.

Who is the parent company for Embrace Pet Insurance?

Embrace Pet Insurance is a subsidiary of NSM Insurance Group, a leading company of specialty insurance solutions. NSM Insurance Group has a strong track record of financial stability and is committed to providing high-quality insurance products and services.